No. of Recommendations: 0
Last July, I re-evaluated the mutual funds in my 403b account and made several changes. All of these funds, including the S&P index fund have seen major declines. Personally, I am going to hold on to the funds until the market as a whole starts to come back, then I will evalute the funds again to see if that's where I want to be.

If you are adding more funds to your plan, then put them into bond funds or money market funds. The question you must ask yourself is can you wait 6 to 18 months to see your stock funds come back?

You aren't the only person second guessing yourself. Eighteen months ago, if you weren't invested in stocks you felt like an idiot, now its the other way around. Hold on to them if you can, they will come back.

Good luck,
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